About SPayLater

BUY NOW PAY LATER

SPayLater is a payment service that allows you to consolidate your purchases on Shopee on a monthly basis. You can make a one-off payment on the consolidated outstanding amount at the end of each month.

You also have the option to spread out your repayment to 2 months, 3 months, 6 months or 12 months with a small processing fee of 1.25% on the order amount per month.

Activate Now

WHO CAN USE SPAYLATER

HOW TO ACTIVATE SPAYLATER

STEP 1

On Me tab, select SPayLater

STEP 2

Click Activate Now

STEP 3

Enter One-Time Password (OTP) sent to your mobile phone

STEP 4

Upload a photo of your MyKad or MYPR and input the additional info required

STEP 5

Undergo the facial verification process

STEP 6

Congratulations! You have successfully activated your SPayLater account! 

HOW TO PAY THROUGH SPAYLATER

STEP 1

Upon checkout, select 'SPayLater' as your payment option

STEP 2

Select your preferred plan. Monthly repayment amount include all fees, where applicable, according to your selected plan

12 Months Instalment is only applicable to selected users

STEP 3

Input your ShopeePay PIN

STEP 4

Receive payment confirmation

HOW TO PAY YOUR SPAYLATER BILL

STEP 1

On the SPayLater homepage, select 'PayNow'

STEP 2

Under 'My Bills', you can view your unpaid and paid bills by month

STEP 3

View your current bill and select your payment method

STEP 4

Input your ShopeePay PIN

STEP 5

Receive successful repayment confirmation

WHERE YOU CAN USE SPAYLATER

WHEN SHOULD YOU PAY YOUR SPAYLATER BILLS

Your billing details will be reflected in the 'My Bills' section of the SPayLater page. You must settle your outstanding bill no later than the payment schedule you have choose.

Your SPayLater billing details will include your completed orders and refunded orders from the 1st till the last day of the previous month.

SPAYLATER PAYMENT TIMELINE

SPAYLATER PAYMENT TIMELINE

Option 1Option 2
Billing DateDue DateBilling DateDue Date
Feb 1Feb 10Feb 21Mar 1
Mar 1Mar 10Mar 21Apr 1
Apr 1Apr 10Apr 21May 1
May 1May 10May 21Jun 1
Jun 1Jun 10Jun 21Jul 1
Jul 1Jul 10Jul 21Aug 1
Aug 1Aug 10Aug 21Sep 1
Sep 1Sep 10Sep 21Oct 1
Oct 1Oct 10Oct 21Nov 1
Nov 1Nov 10Nov 21Dec 1
Dec 1Dec 10Dec 21Jan 1
Jan 1Jan 10Jan 21Feb 1

*It's eligible for newly activated only or users who did not select any billing date during SPayLater activation, the billing date will be automated. However the changes could still be made before you made your 1st purchase through SPayLater order.

FEE SCHEDULE

SPayLater Payment Option Processing Fee Late Charge
Buy Now Pay Later (Pay on the following month) 1.5% per month on total payment / order amount Your SPayLater account will be temporarily frozen until the outstanding amount has been paid. To reactivate the account, users will be charge a late fee of RM10
3 Month Instalment 1.5% per month on total payment / order amount
6 Month Instalment
12 Month Instalment (It's only applicable for selected users)